Equity
€6,526 ▼ 59.4%
TiWi Osteopathie paid out €20,000 in dividends. That is 191% of the 2025 profit.
TiWi Osteopathie
Lifetime
4 annual accounts with figures on one time axispeak €30,067 (2025)
€30,067▲ 9.9%
lowest -€8,251 (2023)
€10,468▼ 1.7%
peak €16,058 (2024)
€6,526▼ 59.4%
€50,847▲ 19.7%
Board1 name since 2021
1 directorWITTENBERG Tine Ann-Marie
Documentsfilings and deeds
22-05-202670 days before the deadline
2025micro format
Dividend €20,000Equity from €16,058 to €6,526Debts from €42,466 to €50,847Cash from €3,519 to €12,185
Key points
from the 2025 annual accountsTurnover
≈ €93,000 estimated
The micro format states no turnover.
Debts
€50,847 89% of the balance sheet
Financial debts 14%Suppliers 1%Taxes and wages 9%Other 76%
Of this, €43,958 falls due within a year.
Filings
4 annual accounts 1 late
The 2022 accounts came 28 days late. The other three were filed on time.
Starting capital
€4,000 100 shares
Position in the sector
€6,526
Less equity than 89% of companies in human health. Sector median €124,598 · 20,751 companies.
Checked score
90
Excellent
Financially stronger than 20% of micro companies in human health (NACE 86)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 24,180 companies (NACE 86, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.7%▲ +0.1 percentage points vs 02-2025
04-2025: 0.7%● unchanged vs 03-2025highest value
05-2025: 0.6%▼ -0.1 percentage points vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 0.3%▼ -0.3 percentage points vs 06-2025
08-2025: 0.1%▼ -0.2 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: < 0.1%▼ -0.1 percentage points vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
lowers risk
Sector: Human health activities (NACE 86)
Liquidity: current ratio 0.38, cash €12,185
Figures for financial year 2025 (filed on 22-05-2026)
Size: total assets €57,373
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 86, micro). It does better than 15% of them on solvency, 7% on liquidity, 48% on profitability and 11% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,713 companies had the same profile as TiWi Osteopathie has now. Each dot stands for 17 companies, two years later.
95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of TiWi Osteopathie itself is lower: < 0.1% within 12 months. It rests on far more data about TiWi Osteopathie than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,713 companies, not a prediction for TiWi Osteopathie. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.38 (0.35 in 2024), below 1. Short-term debt is 76.6% and cash 21.2% of total assets. 88.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 20749 sector peers (2025).
NBB · sector comparisonPosition among 20749 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-05-2026, 70 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
70 days early
2024
28 days early
2023
6 days early
2022
28 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 19 days before the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 15 July (3 of the last 4 accounts filed within 44 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0773400004
Registered office moved from Oudsbergen to Pelt
New registered office: Waterstraat 6, 3900 Pelt · Previous registered office: Luttelmeeuwen 40, 3670 Oudsbergen · General meeting of 09-05-2023 · Gazette deed
Incorporation
Founding capital of €4,000, 100 shares · Founder: WITTENBERG Tine Ann-Marie · Appointment: WITTENBERG Tine Ann-Marie (director) · published on 03-09-2021 · Gazette deed
First establishment
Ostio, Waterstraat 6, Pelt
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TiWi Osteopathie Pelt | €57,373 | €30,067 | 11.4% | - |
| BTCW Namur | €51,749 | €29,024 | 83.0% | - |
| Dr Sorée Natacha Médimosaique Brussels | €51,074 | €30,734 | 33.7% | - |
| Centre Médical Prince d'Orange Uccle | €51,739 | €27,914 | -28.3% | - |
| huisartsenpraktijk Nieuwerkerken Nieuwerkerken (Limb.) | €61,143 | €33,048 | 9.3% | - |
| Dr Sophie WILVERS Villers-le-Bouillet | €57,718 | €27,572 | 29.5% | - |
| DR Yasmin ABID Enghien | €52,102 | €32,881 | 40.2% | - |
These companies have the same main activity as TiWi Osteopathie: general medical practice (NACE 86210). They are comparable in size and age: total assets between €51,100 and €61,100, founded between 2019 and 2021.
Official details
Source: KBO- Status
- Active since 01-09-2021Normal situation
- Activity
- General medical practiceNACE 86210and 1 other
- Establishment unit
- 2.322.266.4093900 Pelt, since 01-09-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 31-03-2025
Annual accounts 2025
- €57,373▼ 2.0%
- Filing
- Filed on 22-05-2026, 70 days before the end of the filing period
Insights on TiWi Osteopathie
TiWi Osteopathie files the micro format. That format states no turnover. The gross margin rose from €25,701 in 2022 to €30,067 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about TiWi Osteopathie
- What is the company number of TiWi Osteopathie?
- The company number of TiWi Osteopathie is 0773.400.004. The VAT number is the same number with BE in front: BE 0773.400.004.
- Where is TiWi Osteopathie based?
- The registered office is at Waterstraat 6, 3900 Pelt.Company details
- What does TiWi Osteopathie do?
- According to the KBO register, the main activity is general medical practice (NACE 86210).
- What is the legal form of TiWi Osteopathie?
- TiWi Osteopathie is a private limited company (BV).
- When was TiWi Osteopathie founded?
- TiWi Osteopathie was founded on 01-09-2021.
- Is TiWi Osteopathie still active?
- Yes, TiWi Osteopathie is an active enterprise in the KBO register.
- What is the turnover of TiWi Osteopathie?
- The turnover in financial year 2025 is ≈ €93,000. This figure is estimated from the gross margin of €30,067 and 47 comparable companies (NACE 86). It probably lies between €67,000 and €130,000.Financials
- Is TiWi Osteopathie profitable?
- In financial year 2025, TiWi Osteopathie made a profit of €10,468.
- Where can I find the annual accounts of TiWi Osteopathie?
- TiWi Osteopathie filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of TiWi Osteopathie due?
- TiWi Osteopathie must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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